Swan is a SaaS-based embedded banking platform that enables European companies to integrate banking services—such as accounts, cards, and payments—directly into their own products using simple, developer-friendly APIs. The platform is fully white-labeled, allowing businesses to maintain their own branding and user experience. Swan is a licensed financial institution with its own e-money license, meaning partners do not need to obtain their own regulatory approval or build compliance departments. The platform is designed for rapid integration, offering a public sandbox, comprehensive documentation, and GraphQL APIs to accelerate time-to-market. Swan manages all payment and fraud risk, provides local IBANs, and supports cross-border operations within Europe, making it suitable for a wide range of software companies seeking to offer native banking experiences to their users.

Key Features

White-labeled Banking APIs APIs for embedding banking features into third-party products.

• Account creation and management
• Card issuance and management
• Payment initiation and processing

Regulatory Compliance and Risk Management Swan is a licensed financial institution and manages compliance.

• E-money license regulated by ACPR/Bank of France
• Handles payment and fraud risk for partners

Developer-centric Platform Designed for rapid, flexible integration.

• Public sandbox for testing
• GraphQL APIs and open-source reference implementations
• Comprehensive documentation

Seamless User Experience Supports full white-labeling and native integration.

• Customizable interfaces to match company branding
• Local IBANs and cross-border support

Security and Data Protection Adheres to strict banking industry security standards.

• Data hosted in secure European data centers

Benefits

Accelerated Time-to-Market Enables companies to launch banking features quickly.

• No need for regulatory approval or compliance team
• Fast integration with developer tools

Reduced Operational Burden Swan manages compliance, risk, and regulatory requirements.

• Partners focus on user experience and business growth

Scalable and Flexible Supports companies of all sizes and adapts to various use cases.

• Suitable for startups to large enterprises
• Handles cross-border operations in Europe